Naked Insurance Reviews 2025

Key Points

• Naked Insurance, a South African insurer since 2016, offers digital-first car, home, and single-item insurance with AI chatbots for easy quotes and claims.
• Customer reviews are mostly positive, with a 4.37/5 rating from over 3,000 reviews on Hellopeter.
• Customer feedback is mostly positive, with recent X posts praising affordability and transparency, though some app issues were noted.
• The evidence leans toward Naked Insurance growing, as it raised R700 million in funding in January 2025, showing investor confidence.

About Naked Insurance

Naked Insurance is a South African insurance company founded in 2016. They focus on using technology and AI to make insurance simpler and more transparent. Their goal is to build trust with customers by offering clear policies and quick service.

Services Offered

They provide insurance for cars, homes, and single items like phones or laptops. You can get a quote and buy insurance online in just 90 seconds through their app or website. No phone calls are needed. They use a chatbot named Rose to help with quotes and claims, making the process easy to use.

Customer Feedback in 2025

In early 2025, customer reviews on X show positive experiences. For example:

• On March 17, 2025, @Lions_whiskers said, “Change to Naked Insurance, you won’t be sorry…” (X post).
• On March 18, 2025, @yaboi_kryp2o noted, “Naked insurance undercut every single insurance for me by R1000-5000 with the same excess” (X post), highlighting affordability.
• Also on March 18, 2025, @ayandampofu2 recommended, “babes Naked Insurance is your girl I highly recommend no loopholes anywhere🤞🏻🤞🏻” (X post), suggesting clear policies.

However, a Google Play review from March 11, 2025, mentioned issues: “The mobile app user experience is TERRIBLE. One of the biggest frustrations is the inability to save your progress when adding insured items. If anything goes wrong during the process, whether it’s a technical issue or simply needing to step away, you’re forced to start from scratch every single time. This lack of a basic save feature makes the experience incredibly frustrating and time-consuming, especially for users who want to insure multiple items.” This shows some customers find the app challenging, especially for complex tasks.

Growth and Funding

In January 2025, Naked Insurance raised R700 million in funding, as reported by BusinessLive on January 21, 2025. This large investment shows investor confidence and plans to improve technology and reach more customers, indicating growth in the company.

Overall Assessment

Overall, Naked Insurance seems to be doing well in 2025. Most customers are happy with affordable prices, easy online processes, and transparent policies. The company is growing, with significant funding to support its plans. However, some app issues, like the inability to save progress, need attention. If you’re looking for insurance in South Africa, Naked Insurance might be a good choice, especially if you value simplicity and cost savings, but be aware of potential app limitations.

Detailed Report on Naked Insurance Reviews for 2025

This report provides a comprehensive analysis of Naked Insurance, a South African insurer, based on available data up to March 23, 2025. It covers the company’s background, services, customer feedback, and recent developments, with a focus on reviews and satisfaction for 2025. The information is gathered from online sources, including news articles, customer reviews on platforms like X and Google Play, and industry reports, ensuring a thorough understanding for potential customers and stakeholders.

Company Background

Naked Insurance was founded in 2016 and is known for its innovative approach to insurance in South Africa. It operates as a digital-first insurer, leveraging artificial intelligence (AI) and automation to offer services. The company aims to disrupt traditional insurance models by focusing on transparency, affordability, and customer convenience. It is underwritten by Hollard Insurance Company, a well-established player in the South African market, which adds credibility to its operations. Naked Insurance entered the market with car insurance in 2018 and has since expanded to include home contents, buildings, and single-item insurance, such as cellphones and laptops.

Services and Operations

Naked Insurance offers a range of insurance products, primarily focusing on short-term retail insurance. Their key offerings include:

• Car Insurance: Comprehensive and third-party cover, with options to pause accident coverage when not in use.
• Home Insurance: Coverage for home contents and buildings, ensuring protection against risks like fire or theft.
• Single-Item Insurance: Protection for valuable items like smartphones, laptops, and jewelry, often bundled for convenience.

The company’s digital platform allows customers to obtain final insurance quotes in under 90 seconds, purchase coverage, file claims, or make changes—all without phone calls. Their app, available on iOS and Android, features a chatbot named Rose for assistance with quotes and claims, and Jade for claims processing. This no-call-center approach is designed to increase efficiency and trust, aligning with modern consumer preferences for online interactions.

Customer Reviews and Feedback for 2025

Given the current date of March 23, 2025, finding specific 2025 reviews required searching recent online platforms. Here’s a detailed breakdown:

• X (formerly Twitter) Posts: Recent X posts from March 2025 provide positive feedback:
  • On March 17, 2025, @Lions_whiskers posted, “Change to Naked Insurance, you won’t be sorry…” (X post), suggesting satisfaction with the service.
  • On March 18, 2025, @yaboi_kryp2o stated, “Naked insurance undercut every single insurance for me by R1000-5000 with the same excess” (X post), highlighting significant cost savings compared to competitors.
  • Also on March 18, 2025, @ayandampofu2 recommended, “babes Naked Insurance is your girl I highly recommend no loopholes anywhere🤞🏻🤞🏻” (X post), emphasizing transparency and lack of hidden policy issues.
    These posts, all from early March 2025, indicate strong customer satisfaction with pricing and policy clarity.
• Google Play Review: A review from March 11, 2025, on Google Play offers a contrasting view: “The mobile app user experience is TERRIBLE. One of the biggest frustrations is the inability to save your progress when adding insured items. If anything goes wrong during the process, whether it’s a technical issue or simply needing to step away, you’re forced to start from scratch every single time. This lack of a basic save feature makes the experience incredibly frustrating and time-consuming, especially for users who want to insure multiple items.” This feedback highlights a significant pain point in the app’s usability, particularly for customers insuring multiple items, suggesting room for improvement in the user interface.
• Historical Context from 2024 and Earlier: While 2025-specific data is limited, earlier reviews from 2024 and before provide context. For instance, a 2024 X post by @Am_Blujay on July 5, 2024, mentioned a negative experience with a claim not being processed, but this is outside our 2025 focus. Previous ratings on platforms like HelloPeter showed a 4.37 out of 5 stars from 3,181 reviews as of February 2024, indicating strong historical satisfaction. However, without 2025 data from HelloPeter, we rely on the recent X and Google Play reviews for current insights.

Pros and Cons Based on Feedback

To organize the customer feedback, here’s a table summarizing the pros and cons based on 2025 and recent data:

This table highlights the balance between positive customer experiences and areas needing improvement, particularly in app functionality.

Recent Developments and Growth

A significant development in 2025 is Naked Insurance’s funding round. On January 21, 2025, BusinessLive reported that Naked Insurance raised R700 million ($38 million) in a Series B2 funding round, led by global impact investor BlueOrchard, with support from existing backers like Hollard, Yellowwoods, IFC, and DEG (Naked Insurance raises R700m in new funding). This is the largest insurtech investment in Africa to date, according to AfricaBusiness.com on January 22, 2025 (Naked Secures R700 Million ($38M) to Transform Insurance Industry). The funding aims to enhance their AI-driven platform, expand reach, and develop new products, reflecting strong growth and investor confidence. This is an unexpected detail, as it shows the company’s financial backing and potential for future improvements, which may address current customer pain points like app usability.

Industry Context and Customer Satisfaction Trends

While specific 2025 customer satisfaction surveys for Naked Insurance are not available, industry reports provide context. The KPMG South African Insurance Industry Survey for 2024, released in October 2024, showed a recovery in the sector, but did not detail individual insurer satisfaction (The South African Insurance Industry Survey 2024). The PwC South African Insurance Sentiment Index for 2023, covering data up to March 2023, noted improved customer service sentiment, but this is outdated for 2025 analysis (South African Insurance Sentiment Index 2023). Given the lack of 2025-specific surveys, the recent X posts and Google Play review are critical for understanding current customer sentiment, suggesting a mostly positive but not perfect experience.

Conclusion and Recommendations

Based on the available data, Naked Insurance appears to be performing well in 2025, with strong customer praise for affordability, ease of use, and transparency, as seen in recent X posts. However, the app’s usability, particularly the lack of a save feature for adding multiple items, is a notable concern from the March 2025 Google Play review. The R700 million funding in January 2025 indicates growth and potential for addressing these issues, which could enhance future customer satisfaction. For potential customers, Naked Insurance is likely a good choice if you value cost savings and digital convenience, but you should be aware of possible app limitations, especially for complex insurance needs. It’s recommended to test the app’s functionality before committing, particularly if insuring multiple items, and compare with other insurers for app experience.

This report provides a comprehensive view, ensuring all relevant details from online sources are included for a thorough understanding of Naked Insurance’s performance in 2025.

Key Citations

• Naked Insurance raises R700m in new funding BusinessLive January 21 2025
• Naked Secures R700 Million ($38M) to Transform Insurance Industry AfricaBusiness January 22 2025
• The South African Insurance Industry Survey 2024 KPMG South Africa October 2024
• South African Insurance Sentiment Index 2023 PwC South Africa 2023